Capital One
reviews and complaints

Customer of many years, 2 Capital One credit card accounts. Was overcharged interest on 11/12/21 statement, I explained on the phone to your people, agent then supervisor. I got nowhere, did not understand my position, was of no help. I am never late, I inadvertently did not pay in September, and was then charged interest for purchases made in the current period, inspite of fact I paid balance in full last month. No way you ought to do that, good customer of many years, and yes I am aware of the legal small print normal eyes could not read. You have lost my good will, as well as future usage of these cards. James G Bloch... [protected]@gmail.com

On Oct. 21, 2021 I went on my laptop to make my payment. First I was going to make a $175.00 payment however I decided to instead make a $200.00 payment, so I CANCELLED the $175.00 and made one for $200.00. I am notified by my bank two payments cleared. Yep both cleared even though one was cancelled. One showed from mobile device and the other did not even though I never used any mobile device. I called Oct. 23, 2021 however the person did not know what they were doing. Told them I would wait until Monday. Called Monday and after they called my bank to confirm the payment had cleared, I was informed they could only refund the $175.00 by check threw the snail mail. Yep! Would not make an electronic deposit even though they can take the payment out electronically. Today Oct. 26, 21 they send an email stating the mail is getting slower and want me to go paperless. My question is: Why in the HELL are you using SNAIL mail to return my payment if it is getting slower?

I am complaining about the poor service of capitial one. I have sent them at least 10 copies of the front and back of my drivers license, they continue to say the picture is not clear. They continue to keep my card on the fraud watch, and there is no fruad involved. I have yet to resolve this issue, and no one there seems to kmow what they are doing. I have tried to seek a manger, and they continue to say the same thing, that they need another copy of my license. I am beging to think all these people that work there are complete idiots. Is there any one there who can resolve this issue. I purschased clothing on line, the purchase was paid for, and then the credit card company said, the store was fradulent, after, they had already paid for the purchase and it was shipped to me. There was nothing illegal involved.
Thankyou,
Ann Atkinson

Capital One cancelled my card on Sep 13, 21 because supposedly they saw suspicious fraudulent charges. They said they they would send me a new card. It's been over a month now and no new card! I've called over six times and no new card and no resolution. My original Quicksilver card ending in 1793 no longer works.

So I have no card and no refund of the balance in my awards account. If they are not going to give me a new card, this shouldn't allow them to also keep my award balance?

Please help.

William Walker
[protected]@gmail.com
[protected]
[protected]

my card balance keeps changing, up and down, throughout the day, even when I'm not using my card. No new charges, just numbers changing... I wouldn't freak so much but it messes with life when I have repeated experiences where I try to use my card and it says "nah" at one place, check my balance and it has plenty available, go try it at another place and it's all good. It's been doing this for weeks.
They deactivated my secondary card for security LAST YEAR and then reactivated it immediately on verification but it still doesn't work?
And nobody has any answers for either problem when I finally get time to call.

My complaint is rather direct and simple. It goes beyond my understanding, why currently a financial institution will be so unwilling to assist a long-term customer like myself with a request for an APR/ interest rate reduction.
I called on 10/14/2021 and was promptly transferred to supervisor "Kimberly" who very eloquently repeated well-rehearsed company jargon on why she was unable or better yet unwilling to reduce my interest rate on CC account number ending in ####.
After a brief conversation, I was left with no option but to close my account, which she did not hesitate to do so, promptly and with no consideration on mutual history.
I was left with no real solution for my situation and thus forced to close the account in question, along with CC account ending in ####.
Furthermore, I will be reviewing other CC and accounts held or represented in part or entirely by Capital One, and if no solution is offered be forced to do the same. Credit Card companies and Financial Institution, in essence your direct competition is not only willing and able to meet such demands, in general they offer far superior customer and product services.
My error was to expect loyalty; after so many years of a financial relation, however I know understand Capital One's priority is to secure returns for its investors.

Please i want my credit card online account to be resolved from been restricted, i have call several time and complain over the same issues over and over again

We got behind on our auto loan going into the pandemic. Then the shutdowns really did us in. I'm disabled & my wife is on heart team & their surgeries stopped. Now I've tried to talk to capital one on the phone & been hung up on at least 10 times. I can't even see my account on line I have to call special number to get someone. I don't like being lied too or hung up on I will call back pissed off quick. They even called the cops on me I had 4 deputies at my door guns drawn saying I threatened them. I put my phone down close to tv cspan was having gun legislation debate they heard Ted cruse talking about people coming to a work place and killing everyone. The [censored]'s then charged my auto loan off. So I'm trying to settle they won't I have to pay vehicle off with the 6000.00 fees for being late. Then they told me they were taking legal action and for me to take car to police station I hate Captil one period.

my name is richard a morrison and recently called comser sevrice to set up one line credit card accoumt and ive waited two days to resovle this matter ive been a good credit card holder never been late on payments and pay two weeks ahead of time before due date, i feel u shound be able to get a credit uncrease or a upgrade card with a higher credit lmit ine been a long time account holder. i feel that the waiting times to speak to someone is horriblei
first date was oct.10th and secound day was oct11th please resovle this matter please email me at [protected]@yahoo, com or call me at [protected] thank you very much

My complaint is simple. I have been making charges and payments to my capital one credit card. Not once have they been late or returned. Today I pay the full balance off and notice that they say they received my payment but put a 7 day hold on it. When I asked why, they said that this was the first time I paid that much and that's why a hold, ($503.00). I have never been late and never had a payment returned but they still put a hold on it. It's funny, I can go to the grocery store and spend 500.00 and it's gone before the groceries are bagged but make a payment to a bank and it takes 7 days to clear...does that sound right? If I had sent a check that might hold water, but when they have my banking information, that should post quick.

on 10/09/2021 at approx. 12:20 am i called capitol one about my interest rates and wanted to know the deadline and what is going on with my interest rates, i pretty much answered my own questions after talking to a not so knowledgable person on the phone, she had no communication skills and always said yes sir i understand sir like a broken record, guess thats how we train our operators to just say i understand yes sir no sir and they really dont understand, anyway in the middle of the call she got frustrated with my questions and turned to her next door nieghbor on the phone and said "Oh My GOD" like im some illliterate i have to say i am very upset about this attitude and performance of your employee and i hope maybe in the future i wont have problems like this but its okay ima pay you guys off and work with other cards that actually are nice on the phone and are knowledgable on the career they have .Shame on you for rude disrespectful employees, have a great day, Dean Conforti

I made a payment to my capital one credit card on the due date, yet because the payment was made after 8PM EST, it went in as of the day later, so they banged me with a $29 late fee. My calendar still showed October 4, but the said it was too late, so they banged me $29. - even though payment was done on October 4. This sucks and I feel the fee should be negated.

I made an Ebay purchase of $69.50. Item arrived smashed by shipper because item was poorly packed. Seller agreed to refund and asked for pictures. I took pictures but when I went back to upload them, Ebay, blocked me from any further email to seller on their system. I tried their chat and called them to resolve this with no answer or results. I had no more options so I asked Capital One to remove the charge and explained all of this to them in a phone call. They removed the charge but then returned it. They requested photos and documents but would not provide a working email to upload them. I emailed them to richard.[protected]@capitalone.com. This email accepted them. Now they are saying this isn't acceptable and will not provide a working upload to email them. I offered to post them and send them a link but they refused. I suspect all of this is designed to be purposeful delays so I get my money stolen.

Re: Case Number [protected] Capital One

I called the center and was told by an employee about sending money, they told me false information. Later I found out that I was charged a fee for a cash advance fee, but never got that advancement, they just used my money that was on the account. I called back, the Supervisor had no clue what she was saying, didn't know her employees, and basically had no interest in the matter.

Tried more that 15 times to call to pay my Neiman Marcus bill over the phone and was never able to get anything done. The service just kept hanging up on me. It said it couldn't understand/hear even when I entered the last 4 digits of my account number through the phone rather than speaking them. I tried screaming them and your service hung up on me. Only one time did I get past the initial question of the last 4 digits of my account number and your service hung up on me when I said I wanted to pay my bill.

I have never in my life encountered a voice response system as bad as yours. It is totally unacceptable and as you can probably tell, I am extremely frustrated. If this is the level of service provided by Capital One, I never want to have another credit card issued to me. I have no idea how you got such good customer support ratings. Those customers must never try to call you on the phone.

Thank you for your consideration. I certainly hope you can fix this problem soon.

In an attempt to help an elderly relative who had $3, 500 fraudulently removed from his account and transferred to a "Barclay" account (he has never had a Barclay account of any kind and had never even heard of "Barclay"), I am so frustrated due to the lack of customer service and will now be closing my own Capital One account. Almost impossible to get through by phone and no email address to use for correspondence. After numerous attempts and 45 minutes on hold (on 8/26/21) finally got to speak to a person. My request at this time was to be sent all documents used to determine their decision which "denied the claim of fraud". After 23 minutes on the phone and supplying all requested information i.e. account number, personal info and claim number was told this information would be mailed to home address. It has been exactly one month and have received nothing! Numerous other attempts to reach Capital One have resulted in long wait time (45 mins plus), transfers and hang ups. Have also sent by fax (the only other means of contact I was able to find) request for said documents including detailed info regarding this request. STILL NO RESPONSE! Worst bank ever!

When trying to find a transaction Capital One has a search box that states:
Search amount, date, check# or transaction description.
This has not worked since they updated their website back in 2019. I have spoken to a number of reps and have also sent a letter to their main office.
I have never received a response and the flaw is still there.
You would think that a bank as large as Capital One would have had their web developers check all the fields before they took down their old site and went live with this site.

Functions should work properly.

When I try to find a check, sometimes it comes up and other times it states...
"We couldn't find any transactions based on what you're looking for. Please try modifying your filter criteria or referring to your statements."

This is unacceptable.
Also why doesn't Capital One have a direct phone line or an email address that a customer can contact them directly?

I paid my Cap 1 card down to just over $800 balance now, out of a good $7K limit.

I received my statement and made a payment immediately. The interest charge (this month) on my small $ 800 balance was $ 38.00 but my yearly interest is 22.9%

Even with simple math, $ 800 x 22.9%/year = $ 183.20. Then,
$ 183.20 / 12 months = $ 15.26 interest due...

Did I miss something? The idiot at Capital One said it was because I did not pay off my $ 800 in full. Why would I have to pay it off in full? Makes no sense. I could also tell this guy was sitting at home with the tv going in the background, eating food, and just some stupid kid that did not care, nor have the correct answer.

I am reconsidering dumping Cap 1 after 20 years, but do not want to over-react due to 1 stupid employee. Not sure what to do... If I call back I will most likely get another [censored] that cannot do math.

I made a payment online Sept. 18, 2021 at the CapitalOne site using my Debit Card, which was stored in their system from a previous payment. The site showed my payment had been made on the 18th. On the following monday I checked the Cap1 site after becoming aware that my checking account had more money than expected in it. The Cap1 site showed the payment had been credited to my account. By tuesday the payment had still not cleared my bank, so I checked the Cap1 site again. This time the site showed no record of the payment having been made. I contacted my bank, that informed me no payment request had been made by Cap1. Cap1 charged me $39 for a late payment. Several months prior I had made a payment on the due date with an electronic check. This payment wasn't accepted either. Cap1 stated that it had the wrong account number. I checked the account number 3 times to make sure it was correct! Something very fishy is going on with this card. I also made the mistake of using this card for a purchase that turned out to be fraudulent. They refused to credit my account even though I sent them pictures of the items received, & invoices of the items that should have been received, that clearly proved the vendor was a fraud.

My acct is Restricted, (due to suspected fraudulent activity, but it's just me trying to use my own card) however, I have called multiple times and have spent hours on the phone w/o success and now they want me to scan all my personal information and send in!

I have had CapOne card for many yrs, pay my card every mth, have never missed a pymnt, and now with my acct Restricted, I can't redeem over 70K of Reward miles which I earned!

I only wish it was not in my Wallet!